Monthly Archives: July 2011

When Debt Settlement Makes Sense

          I am often asked by clients if I can help them settle their debts with creditors. My answer is almost “yes” but it is rarely my recommendation that a client pursue debt settlement when there are bankruptcy options available. This … Continue reading

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Buffalo Chapter 7 lawyers see new filings drop again

     New chapter 7 filings were down once again in the month of June 2011. This continues an ongoing trend throughout the Country, but which appears to be accelerating in the Western New York region. Locally, chapter 7 filings were down … Continue reading

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Chapter 13 as a last resort to stop foreclosure

     Until 2009, if a client came into our office and was behind on his or her mortgage, the only real solution was Chapter 13.  The homeowner could resume making mortgage payments directly to the lender the month after the bankruptcy … Continue reading

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